The maximum rent increases for Oregon are the lower of: 10% or 7%+CPI per year. 

You mentioned airbnb and short term rentals. those can be (under the right circumstances) very tax-favorable and have you move towards your FI journey even faster with a lower tax bill.

For example, that it has a lower interest rate.

Ok, I know there are instances where the ARM would be higher...but about 85% of the time the ARM is slightly lower.  

That would have taken the issue to a whole new level.

You have to consider that turnkey will usually mean less investment up front (down payment + renovation costs) but lower cash flow. 

It is a 3 bedroom ranch on the main level with a bigger kitchen and LR than most 3 BR ranches in the area.

http://themadhatter-nc.com/We paid about $150 for a Level I sweep in our two story, masonry chimney.  

Everyone has a different comfort level and different likes.  

Saving around 10,000 would take me twos so if I'm able to get by with a lower down payment I will gladly do so..I understand  concerns that the lower the down payment  the bigger your mortgage and that banks offering low money down loans partly caused the recession....